Which insurance company is reliable?

Best car insurance company overallUSAA5 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and c

Which insurance company is reliable?

Best car insurance company overall

USAA logo

USAA5 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.Get a personalized quote

Answer a few questions to see personalized rates from top carriersJD Power:909 /1,000AM best:A ++Avg. annual premium for minimum coverage:$ 354Avg annual premium for full coverage:$ 1209

Why this company made our list: With the highest possible Bankrate Score, USAA easily makes our list of best insurance companies for nationwide availability and top tier customer service. Although only available to active-duty military, veterans and their eligible family members, USAA is a top scorer in J.D. Power customer satisfaction surveys, has impeccable financial strength as rated by AM Best, S&P and Moodys, and still manages to provide some of the lowest-priced auto insurance quotes in the industry.

Why USAA is best overall for car insurance: USAA earns top marks from all major third-party rating agencies for customer service and financial strength. Coupled with having the lowest average full and minimum coverage premiums on our list, USAA is a powerhouse. Customers have access to multiple coverage options, rewards and discounts, including unique circumstances like deployment for active-duty members. While not all drivers qualify for coverage from USAA, the company is a standout for millions of military families across the country.

Perks & drawbacks Caret Down

CheckmarkPerks

  • Excellent customer service scores and financial strength ratings
  • Low average rates
  • Military-focused coverage options

Close XDrawbacks

  • Only available to active-duty military, veterans and immediate family members
  • Fewer specialty coverage options than other carriers

Compare rates Caret DownCar insurance companyAverage annual full coverage premiumAverage annual minimum coverage premiumLearn moreUSAA$1,209$354Read full USAA Insurance reviewState Farm$1,397$456Read full State Farm Insurance reviewAmica$1,495$444Read full Amica Insurance review

Best car insurance company for digital presence

Clearcover5 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.Get a personalized quote

Answer a few questions to see personalized rates from top carriersJD Power:N/AAM best:A -Avg. annual premium for minimum coverage:N/AAvg annual premium for full coverage:N/A

Why this company made our list: Clearcovers technology-driven car insurance is reinventing the insurance landscape, making it a clear contender for any driver seeking the best modern auto insurance experience compared to other car insurance companies. The insurtech companys digital approach allows it to sell highly affordable policies and compete with traditional auto insurers.

Why Clearcover is best for digital presence: Although only currently available to drivers in 20 states, Clearcover is disrupting the auto insurance market by putting technology in the spotlight. The carrier uses artificial intelligence-based digital tools to its advantage, revamping how car insurance is quoted, purchased and serviced. Clearcovers highly-rated mobile app puts control over managing policies directly in users hands. The streamlined approach enables Clearcover to pay most auto claims in less than a week, with some even being eligible for same-day processing, which is much faster than industry standards.

Perks & drawbacks Caret Down

CheckmarkPerks

  • Cutting-edge technology
  • Fast insurance quotes and expedient claims processing

Close XDrawbacks

  • Only available in 20 states
  • Limited data regarding customer satisfaction

Who this company may be good for Caret Down

Policyholders seeking a technology-driven insurance experience

Best car insurance company for driving incidents

Geico4.7 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.Get a personalized quote

Answer a few questions to see personalized rates from top carriersJD Power:881 /1,000AM best:A ++Avg. annual premium for minimum coverage:$ 354Avg annual premium for full coverage:$ 1297

Why this company made our list: Geicos long history as a trusted, household-name auto insurer is reflected in its high Bankrate Score and is one of the reasons we included it as a top company. Coverage is available for virtually every type of driver, making its car insurance coverage accessible even for consumers with blemished driving histories.

Why Geico is best for driving incidents: Geico is one of the few top auto insurance companies that will write policies for drivers even after high-risk incidents, such as DUI convictions. While high-risk policies are generally more expensive, a high-risk driver may also have a harder time finding coverage, especially from major car insurance companies. Geico is an easily-accessible option for most people.

Perks & drawbacks Caret Down

CheckmarkPerks

  • Typically available to high-risk drivers
  • Highly-rated digital app and mobile tools
  • An array of discounts

Close XDrawbacks

  • Customer service scores vary by region
  • Fewer coverage options
  • Fewer in-person local agents compared to other car insurance companies

Compare rates Caret DownCar insurance companyAverage annual full coverage premiumAverage annual minimum coverage premiumLearn moreGeico$1,297$365Read full Geico Insurance reviewTravelers$1,447$477Read full Travelers Insurance reviewSafe Auto$2,457$670Read full Safe Auto Insurance review

Best car insurance company overall

State Farm4.7 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.Get a personalized quote

Answer a few questions to see personalized rates from top carriersJD Power:892 /1,000AM best:A ++Avg. annual premium for minimum coverage:$ 456Avg annual premium for full coverage:$ 1397

Why this company made our list: As the largest national auto insurer based on market share, State Farm's reach and reputation highlight the carrier as one of the best auto insurance companies for drivers in most states. Its extensive local agent network showcases its customer-first approach to providing a variety of personal and commercial insurance products to consumers.

Why State Farm is best overall for car insurance: State Farm company boasts over 19,000 licensed insurance professionals, available in communities across the U.S., who can offer guidance to those who value expert insight when discussing their policy. Digital management options allow for an on-the-go approach, including a highly-rated mobile app where you can file auto claims and contact your agent.

Perks & drawbacks Caret Down

CheckmarkPerks

  • Large network of exclusive local agents
  • Excellent financial strength

Close XDrawbacks

  • May not be available to high-risk drivers
  • Higher-than-average compliant index score with the National Association of Insurance Commissioners (NAIC)

Compare rates Caret DownCar insurance companyAverage annual full coverage premiumAverage annual minimum coverage premiumLearn moreState Farm$1,397$456Read full State Farm Insurance reviewAllstate$2,438$558Read full Allstate Insurance reviewGeico$1,297$365Read full Geico Insurance review

Best car insurance company for personalized coverage

Travelers4.7 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.Get a personalized quote

Answer a few questions to see personalized rates from top carriersJD Power:871 /1,000AM best:A ++Avg. annual premium for minimum coverage:$ 477Avg annual premium for full coverage:$ 1447

Why this company made our list: Travelers is a trusted insurer with over 150 years in the auto insurance industry. Its strong independent agent network, numerous endorsement options, robust savings opportunities and proven financial track record make it a worthwhile option for drivers nationwide.

Why Travelers is best for personalized coverage: Travelers isnt the cheapest carrier on our list, but that could be because the carrier offers so many ways to customize your coverage to your specific needs. Options like new car replacement, accident forgiveness, rideshare coverage and gap coverage will add more premium to your policy but will also give you financial protection for a broader range of incidents. Travelers claims satisfaction is not as highly ranked by customers compared to other companies Bankrate analyzed, which may be worth considering before you purchase a policy.

Perks & drawbacks Caret Down

CheckmarkPerks

  • National independent agent network
  • Competitive discounts
  • Numerous policy options

Close XDrawbacks

  • Lower than average claims satisfaction score
  • Ridesharing coverage is only available in Colorado and Illinois

Compare rates Caret DownCar insurance companyAverage annual full coverage premiumAverage annual minimum coverage premiumLearn moreTravelers$1,447$477Read full Travelers Insurance reviewFarmers$1,524$550Read full Farmers Insurance reviewNationwide$1,383$549Read full Nationwide Insurance review

Best car insurance company for robust coverage

Erie4.6 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.Get a personalized quote

Answer a few questions to see personalized rates from top carriersJD Power:901 /1,000AM best:A +Avg. annual premium for minimum coverage:$ 476Avg annual premium for full coverage:$ 1321

Why this company made our list: We included Erie on our list of the best auto insurance companies because this regional insurer is generous with optional coverage types in its policies and scores competitively across all third-party agencies reviewed in our research. Erie also offers discount advantages and competitive rates for young drivers who normally see the highest rates of all driver age groups. Eries high Bankrate Score contributes to its position on our list of best auto insurance companies for 2022, although coverage is not available nationally.

Why Erie is best for robust coverage: Erie automatically includes several coverage types and features in its full coverage policies that many competitors only offer as optional add-ons. Drivers can benefit from included rideshare insurance, accident forgiveness and Eries Rate Lock feature, which could help keep your premiums consistent over time. While only available in 12 states, the company provides robust coverage and a strong claims experience for drivers in its service areas.

Perks & drawbacks Caret Down

CheckmarkPerks

  • Rate Lock feature could help keep premiums steady
  • Highly-rated customer service

Close XDrawbacks

  • Coverage only available in 12 states
  • Below-average ranking for customer experience with digital insurance shopping

Compare rates Caret DownCar insurance companyAverage annual full coverage premiumAverage annual minimum coverage premiumLearn moreErie$1,321$476Read full Erie Insurance reviewAuto-Owners$1,305$325Read full Auto-Owners Insurance reviewCincinnati$1,590$470Read full Cincinnati Insurance review

Best car insurance company for discounts

Auto-Owners4.5 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.Get a personalized quote

Answer a few questions to see personalized rates from top carriersJD Power:878 /1,000AM best:A ++Avg. annual premium for minimum coverage:$ 325Avg annual premium for full coverage:$ 1305

Why this company made our list: Auto-Owners is another carrier with a strong reputation for providing excellent auto coverage and earned the second-highest J.D. Power claims satisfaction rates of any company on our list of best auto insurance companies. Its wide range of coverage and discount options are available to drivers in 26 states through a distribution network of independent agents.

Why Auto-Owners is best for discounts: Auto-Owners offers an impressive menu of 12 discounts, which many drivers are likely eligible to receive. Drivers could save by getting a quote ahead of their current policys expiration, or by opting for paperless billing and payment options. The company provides three types of student discounts, making it a great option for parents of teens or young drivers who have their own policy to consider.

Perks & drawbacks Caret Down

CheckmarkPerks

  • High claims satisfaction among customers
  • Low average premium
  • Wide range of coverage options

Close XDrawbacks

  • Only available in 26 states
  • No online quoting

Compare rates Caret DownCar insurance companyAverage annual full coverage premiumAverage annual minimum coverage premiumLearn moreAuto-Owners$1,305$325Read full Auto-Owners Insurance reviewNationwide$1,383$549Read full Nationwide Insurance reviewSecura$1,009$256Read full Secura Insurance review

Best car insurance company for claims satisfaction

Amica4.5 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.Read full Amica reviewJD Power:895 /1,000AM best:A +Avg. annual premium for minimum coverage:$ 444Avg annual premium for full coverage:$ 1495

Why this company made our list: Amicas exceptional claims service and customer-centric business model make it a standout choice, based on Bankrates analysis, for drivers seeking the best auto insurance company.

Why Amica is best for claims satisfaction: Amica ranks as the second-highest scoring carrier for claims satisfaction out of the top auto insurers surveyed by J.D. Power, earning 32 points above the industry average. The companys online claim center allows customers to easily report a claim, upload supporting documents and track the claims process with a few simple clicks. Its customer representatives are available to support policyholders 24/7.

Perks & drawbacks Caret Down

CheckmarkPerks

  • Highly-rated customer service
  • Unique optional dividend policies are available
  • Low average rates

Close XDrawbacks

  • No ridesharing coverage option is available
  • Not available in Hawaii

Compare rates Caret DownCar insurance companyAverage annual full coverage premiumAverage annual minimum coverage premiumLearn moreAmica$1,495$444Read full Amica Insurance reviewChubb$2,328$662Read full Chubb Insurance reviewPURE Insurance$4,247$838Read full PURE Insurance review

Best car insurance company for coverage on a budget

Nationwide4.4 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.Get a personalized quote

Answer a few questions to see personalized rates from top carriersJD Power:876 /1,000AM best:A +Avg. annual premium for minimum coverage:$ 549Avg annual premium for full coverage:$ 1383

Why this company made our list: Nationwides options to tailor coverage based on personal needs in addition to its low average premium solidify it as a top auto insurance company for 2022, based on Bankrates research. With near-nationwide availability and a website full of useful insurance information, Nationwide makes it easy to customize a policy to your needs.

Why Nationwide is best for coverage on a budget: Nationwides average annual premium is well below the national average. Additionally, the carriers SmartRide and SmartMiles telematics programs can help you either earn a discount based on your safe driving habits or provide a flexible premium based on your vehicle usage, respectively. Optional coverage is not as plentiful as some other auto insurers on our list, but personalized options offer valuable control over your financial protection.

Perks & drawbacks Caret Down

CheckmarkPerks

  • Two usage-based driving programs could offer highly personalized rates
  • Available in most states
  • Broad distribution network of local independent agents

Close XDrawbacks

  • J.D. Power customer service scores vary by region
  • Few add-ons available

Compare rates Caret DownCar insurance companyAverage annual full coverage premiumAverage annual minimum coverage premiumLearn moreNationwide$1,383$549Read full Nationwide Insurance reviewAllstate$2,438$558Read full Allstate Insurance reviewTravelers$1,447$477Read full Travelers Insurance review

Best car insurance company for digital policy management

Progressive4.4 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.Get a personalized quote

Answer a few questions to see personalized rates from top carriersJD Power:862 /1,000AM best:A +Avg. annual premium for minimum coverage:$ 542Avg annual premium for full coverage:$ 1561

Why this company made our list: Progressives handy rate tools and positive customer satisfaction help secure it as one of our best auto insurance selections. Consumers can find options to save based on their own budget and driving habits with a Progressive policy anywhere in the U.S., backed by a financially strong company that earns high ratings from third-party agencies.

Why Progressive is best for digital policy management: Progressive provides several ways for drivers to save time and money by managing their policy online, such as its Snapshot app, which is a usage-based telematics program that monitors driving and offers discounts for safe driving. Even when first deciding what is the right policy for you, you can use its online Name Your Price tool to personalize your buying experience and review coverage options based on your budget. The Progressive mobile app offers instant access to review coverage, ID cards, bill payment and claims submissions.

Perks & drawbacks Caret Down

CheckmarkPerks

  • Strong digital tools
  • Unique points-based rewards program
  • Two usage-based driving programs could help customize rates

Close XDrawbacks

  • Higher-than-average rates
  • J.D. Power customer satisfaction scores vary by region

Compare rates Caret DownCar insurance companyAverage annual full coverage premiumAverage annual minimum coverage premiumLearn moreProgressive$1,561$542Read full Progressive Insurance reviewGeico$1,297$365Read full Geico Insurance reviewThe General$1,944$1,033Read full The General Insurance review

Best car insurance company for high-value cars

Allstate4 Bankrate ScoreInfo Hover for moreBankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.Get a personalized quote

Answer a few questions to see personalized rates from top carriersJD Power:870 /1,000AM best:A +Avg. annual premium for minimum coverage:$ 558Avg annual premium for full coverage:$ 2438

Why this company made our list: As the fourth-largest auto insurer based on market share, Allstate has a long list of valuable coverage options that make it a standout option for many drivers, but especially for those with unique vehicles. Allstates rewards program adds additional benefits, allowing drivers to earn points toward hotels, gift cards and other great perks.

Why Allstate is best for high-value cars: Allstate is one of the few insurers that offer coverage for custom equipment. The companys full coverage policies have a higher average cost compared to other carriers on Bankrates list, but drivers who have invested money into modifying their vehicles with the best sound equipment likely need more extensive coverage, which Allstate provides. Classic and antique car collectors can opt for Allstates classic car insurance so the vehicles higher intrinsic value is accounted for in case of costly damage.

Perks & drawbacks Caret Down

CheckmarkPerks

  • Classic or custom car coverage
  • Unique points-based rewards program
  • Two usage-based driving programs could help customize rates

Close XDrawbacks

  • Higher-than-average rates
  • J.D. Power customer satisfaction scores vary by region

Compare rates Caret DownCar insurance companyAverage annual full coverage premiumAverage annual minimum coverage premiumLearn moreAllstate$2,438$558Read full Allstate Insurance reviewState Farm$1,397$456Read full State Farm Insurance reviewGeico$1,297$365Read full Geico Insurance review

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